HAVE ONE MONTHLY PAYMENT YOU CAN AFFORD

REDUCE LENDER HARRASSEMENT

FREEZE INTEREST AND CHARGES ON DEBTS

WELCOME TO DEBT HELP UK

At Debt Help-UK we work out a Debt Solution that’s just right for you!

There’s no need to feel alone if you are experiencing debt problems. At Debt Help UK, we work tirelessly to help people get out of debt and move on with their lives.

Free no obligation quotation

100% Confidential

No Upfront Fees

You can get free debt help from us right now with no obligation to go ahead. We are experts on a whole host of relevant topics and are fully up-to-date with the latest regulations.

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WHAT IS YOUR TOTAL DEBT?

TOTAL NUMBER OF DEBTS?

WHAT DO YOU PAY PER MONTH?

ARE YOU A HOMEOWNER?

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Talk to us today about Effective Solutions to become Debt Free on 0161 507 6280

You can find out more about managing your money and getting free debt and impartial advice if you visit Money Advice Service, an independent service set up to help people manage their money. The Money Advice Service are an independent service, set up by government to help people make the most of their money, they give free, unbiased money advice to everyone across the UK – online, over the phone and face to face.

TAKE CONTROL OF YOUR DEBTS WITH DEBT HELP-UK

HOW DOES IT WORK?

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Get your debt solution

Debt Help-UK work out a solutionthat’s just right for you!

HOW DEBT HELP UK CAN HELP YOU

At Debt Help UK, we work tirelessly to help people get out of debt and move on with their lives.

If you’re in debt but are ready to work towards a brighter future, talk to Debt Help UK. We always work hard to identify the best and most appropriate solutions for our clients, taking a close look at your circumstances and identifying the most suitable route to take towards where you want to be. We work tirelessly on your behalf and are only happy when you’re truly satisfied with the outcome. We can work out a solution that’s right for you.

At Debt Help UK, we’ve helped scores of people find debt solutions and are passionate about putting our clients’ minds at rest. With years of experience behind us, we can be counted on to deliver the solutions you require, so you can get out of debt and move onto the next chapter of your life.

All consultations are 100% confidential and there’s no obligation to go ahead. We give you all the information you need to come to an informed decision on debt relief solutions.

We have years of experience to draw upon and know all the latest legislation inside out. It’s important that you don’t ignore your debts. Failing to tackle the situation can lead to disastrous consequences, and you could even lose your home. Why not drop us a line as soon as possible to get all the help you need on getting out of debt? We offer a range of solutions and always take a close look at your circumstances to help you identify the right option.We can work out a solution that’s right for you and get you moving forward with the best debt solution provider straight away.

We always keep our clients up-to-date, and you can get in touch with us at any point if you do have any questions about what we have to offer. There’s no need to feel alone if you are experiencing debt problems. We offer a proactive, sympathetic approach and will never judge you for getting into debt. More and more people are coming to us all the time when they’re facing debt challenges and need to take action. We can work out a solution that’s right for you and get you moving forward with the best debt solution provider straight away.

DEBT SOLUTIONS FROM DEBT HELP-UK

There are many solutions that can help you solve your debt problems today. Debt Help UK can help you find a debt solution that is best for you!

Here are a few examples of Debt Solutions available…

Individual Voluntary Arrangement (IVA)

With this solution, you’ll normally pay part or all of your debt within 60 months. Debts need to be at least £5,000. All charges and interest are frozen when the agreement is signed. At the end of the agreement any debt not repaid will be written off. Do be aware that creditors can object, you will need to release equity from any property you own and that the IVA Supervisor obtains rights to your assets.

There are restrictions on your spending once you have entered in to an IVA or protected Trust Deed. This is for the full term of the agreement.

Debt Management Plan (DMP)

In a DMP, you repay your debts in full at a monthly rate you can afford. You can arrange a plan for any debt and your assets are not included, but there is a chance your creditors could continue to add charges and interest. This type of agreement is not legally-binding.

Debt Relief Order (DRO)

This solution is perhaps best suited to those with few assets and little disposable income. Your debts must come to less than £20,000, your assets to no more than £300 and you can obtain one DRO every six years. Your debts will normally be cleared within 12 months.

Minimal Asset Process (MAP)

This option is ideal for those with low income and few assets. You’ll need to have debt between £1,500-£17,000 and you can’t have assets of more than £2,000 or be a homeowner. An application fee of £90 applies.

Scotland only

Protected Trust Deed (PTD)

Using legislation, designed to help Scottish residents clear debt, a Protected Trust Deed (PTD) acts as formal agreement between you and your creditors. The PTD stops all creditor demands for those creditors that are bound by the arrangement. This enables you to pay off your debts in affordable monthly payments over a fixed period (usually 48 months).

Scotland only

Debt Arrangement Scheme (DAS)

A DAS enables you to repay your debts in full without paying interest over a maximum of ten years. This option is for Scottish residents and sees charges and interest frozen at the date of application. It doesn’t include assets. Creditors may object to the agreement and you won’t see any debt written off, though you will have an extended period of time to repay it.

Scotland only

Bankruptcy

This is a formal arrangement for those wish debts they cannot pay within a reasonable period of time. You’ll need to pay £680 (England and Wales) or £647 (Northern Ireland) but could be discharged within as little as 12 months. All debts are written off at the end, though you could lose assets including your property. You may need to pay a monthly contribution for 36 months.

Bankruptcy does have risks. Applying for bankruptcy is relatively expensive – it incurs a £680 fee. Bankruptcy usually involves the sale of valuable assets you own, such as a car or house, to raise funds to pay back your creditors. You may also have to pay a monthly contribution towards your debts for up to three years, if you have enough surplus income. Your career might be affected whilst you go through bankruptcy – you will be unable to direct a company, for instance Bankruptcy can also include mortgages, but the property must be surrendered.

Sequestration

This is the Scottish version of bankruptcy and is designed for those who won’t be likely to settle their debts within a realistic time frame. Your debts must come to more than £3000, you won’t be eligible if you’ve been declared bankrupt in the last five years and you’ll need to pay an application fee of £200. You could be discharged within as little as 12 months and you’ll only have to make a contribution is you can afford to. However, your property could be sold if it has equity. Sequestration could affect your job prospects.

Only if you owe your employer money or your contract of employment states that you should disclose the agreement. We would recommend that you review your contract of employment prior to entering into any agreement.

IVA usually last for sixty months. You are guaranteed to pay back less than you actually owe. Most creditors would rather take what they can get than risk ending up with nothing, which is why so many people have been able to wipe so much from their debts.

Most arrangements can include payday loan debts. Remember, you won’t usually be able to take out more debt once your arrangement is set up. Talk to us today if you require exceptional debt consolidation care services.

Many people have switched to us mid-arrangement after expressing dissatisfaction with their original debt solutions company. In most cases, the transition will be smooth. However, there is a risk that interest could be re-added to your debt and you may go unprotected from creditors for a short period of time. Nonetheless, we will do all we can to make the transition as smooth and trouble-free as we can.

If you are struggling to repay your debts and have missed payments, it is likely this will already reflect in your credit rating. There are different debt solutions available which have different effects on your credit file, please call us on 0161 507 6280 to discuss.

If you are struggling to repay your debts and have missed payments, it is likely this will already be reflected in your credit score. Most debt solutions will appear on your credit file for six years. Once you hacvve completed your debt solution, we suggest that you contact the credit reference agencies to ensure your file is accurate and updated.

Debt write off and reduction of payments depends on individual circumstances If for any reason the IVA is not accepted we will look to re-evaluate your circumstances and explain any appropriate alternatives; however in the last 12 months more than 85% of the IVAs we have proposed have been accepted by creditors, so the chances are very high.

Only unsecured debts are included in the IVA may be discharged or written off. Not all debts can be included in an IVA, for example student loans, child support and maintenance, magistrate court fines and social fund loans are excluded from an IVA, but an allowance can be given to enable you to continue repaying these.

WHY CHOOSE US?

At Debt Help UK, we work tirelessly to help people get out of debt and move on with their lives.

We have years of experience to draw upon and know all the latest legislation inside out. It’s important that you don’t ignore your debts. Failing to tackle the situation can lead to disastrous consequences, and you could even lose your home. Why not drop us a line as soon as possible to get all the help you need on getting out of debt? We offer a range of solutions and always take a close look at your circumstances to help you identify the right option.

Our initial advice is completely free of charge, but we may receive a fee for referring you and our partner organisations may charge for the debt solutions they provide if you choose to go ahead.

We will not charge you for any work we do but if we can successfully place your case with one of our trusted debt solution providers, we will receive a fee from them for introducing you or for the preparatory work we have done.

We always keep our clients up-to-date, and you can get in touch with us at any point if you do have any questions about what we have to offer. There’s no need to feel alone if you are experiencing debt problems. We offer a proactive, sympathetic approach and will never judge you for getting into debt. More and more people are coming to us all the time when they’re facing debt challenges and need to take action.

Debt Help UK specialise in providing debt advice suited to each individual based on their financial circumstances. We do not directly provide solutions, we offer our customers no-obligation referrals to trusted providers.

If you want us to set up your debt solution, we’ll refer you to one of our trusted providers. If you decide to use their services, we’ll be paid for introducing you or for the preparatory work we do.

Talk to us today about Effective Solutions to become Debt Free on 0161 507 6280